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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £116,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,600 |
| Bedroom 2 | £1,600 |
| Total Estimated Refurb | £10,200 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Builders in Sunderland, House Extensions in Sunderland | 07482796053 | — |
| decorator | Painter and Decorator Sunderland | SR1 SR2 SR3 | 01917436008 | — |
| photographer | Brenden Ward Photography | Professional photographer | 07717207447 | — |
Property Details
- Asking Price
- £132,950
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £7,618 | £136,938 | £5,040 | £54 | £4,043 | 9.2% |
| Yr 3 | £8,004 | £145,278 | £5,318 | £578 | £12,906 | 29.2% |
| Yr 5 | £8,409 | £154,125 | £5,609 | £1,678 | £22,853 | 51.8% |
| Yr 10 | £9,514 | £178,674 | £6,405 | £7,144 | £52,868 | 119.8% |
| Yr 15 | £10,764 | £207,132 | £7,305 | £16,897 | £91,079 | 206.3% |
| Yr 20 | £12,179 | £240,122 | £8,324 | £31,500 | £138,672 | 314.1% |
| Yr 25 | £13,779 | £278,368 | £9,476 | £51,589 | £197,007 | 446.3% |
| Yr 30 | £15,590 | £322,705 | £10,780 | £77,887 | £267,641 | 606.3% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 4.9% | 2.8% | £-226 | -13.6% |
| Conservative | £591 | 5.3% | 3.4% | £-81 | -2.1% |
| Base | £635 | 5.7% | 3.8% | £5 | 2.7% |
| Optimistic | £686 | 6.2% | 4.2% | £96 | 8.1% |
| Bull | £749 | 6.8% | 4.8% | £200 | 14.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.73% |
| Net Yield | ●3.79% |
| Net Annual Income | £5,041 |
| Deductions: void 8% (−£609) · mgmt 10% (−£762) · maint 10% (−£762) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £415 |
| Monthly Cashflow (IO) | ●£5 |
| Cash-on-Cash Return | ●0.13% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,806 |
| SDLT Effective Rate | 5.12% |
| SDLT (Company) | £6,806 |
| Section 24 Extra Tax/yr (higher rate) | £997 |
| SPV Annual Saving | £1,427 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £154,125 |
| Less: Purchase Price | −£132,950 |
| Less: Buying Costs (SDLT + legal) | −£9,406 |
| Less: Selling Costs (est. 2.5%) | −£3,853 |
| = CGT Net Gain (5yr) | £7,916 |
| CGT at 24% | £1,180 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 4.9% | 2.8% | £-226 | -13.6% |
| Conservative | £591 | 5.3% | 3.4% | £-81 | -2.1% |
| Base | £635 | 5.7% | 3.8% | £5 | 2.7% |
| Optimistic | £686 | 6.2% | 4.2% | £96 | 8.1% |
| Bull | £749 | 6.8% | 4.8% | £200 | 14.9% |
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